Adding the ex to the title could trigger gift tax implications, so keeping it simple is best.

Unfortunately, my service was cut short due to an injury during deployment, which required spine surgery.

If you can find that deal, pull that trigger.

When loans were called, was it due to specific triggers like delinquencies, insurance lapses, or low-interest rate portfolio loans held by smaller banks?

If I had an answer to my money issue then I would quickly pull the trigger on a good deal. 

@Kevin Hoover, with certain types of entities it is possible to contribute property to and distribute property from that entity without triggering a tax event. 

My Wife and I are going to pull the trigger in 2025 and are looking in the Central PA area to buy our first STR.

Had we scheduled the closing in the morning, there would not have been an issue.The only potential upside is that a disaster area declaration triggers changes in mortgage rules that could beneficial to the buyer. 

That would be for the deed, so use care not to trigger the acceleration clause with your lender.

You have three choices...transfer the property and keep the loan in tact hoping they won't trigger due on sale, refinance into a loan that allows it, or simply leave things as they are.